Affected 0-3 inches of water inside: Minimal damage to the exterior of the home. Residents can remain in the structure. Examples:
|Single Family Homes/ Conventually Built Structures
- Partial missing shingles or siding, home kept roof structure intact
- Cosmetic damage such as paint discoloration or loose siding
- Broken screens
- Gutter Damage and debris
- Damage to an attached structure such as a porch, carport, garage, or outbuilding not for commercial use
- Damage to landscaping, retaining walls, or downed trees that do not affect access to the residence or has not collapsed into residence
- Any water line in the crawl space or basement when essential living space or mechanical components are not damaged or submerged.
Minor less than 18 inches of water inside: Encompasses a wide range of damage that does not affect the structural integrity of the residence. Examples:
- Nonstructural damage to roof components over essential living space to include large areas of shingles e.g. roof covering, fascia board, soffit, flashing, and skylight
- Nonstructural damage to the interior wall components to include drywall, insulation; exterior components to include house wrap, missing doors, broken window framings; or substantial loss of exterior covering, such as missing siding, vinyl, stucco, etc.
- Multiple small vertical cracks in the foundation
- Damage to chimney to include, tilting, fallen, cracks, or separated from the residence
- Damage to or submersion of mechanical components, e.g. furnace, boiler, water heater, HVAC, electrical panel, pressure tanks or well pressure switch, etc
- Water line less than 18 inches in an essential living space
- Damage or disaster-related contamination to a private well or septic system
Major more than 18 inches of water inside: Residence has sustained significant structural damage and requires extensive repairs. Examples:
- Failure or partial failure to structural elements of the roof to include rafters, ceiling joists, ridge boards, etc.
- Failure or partial failure to structural elements of the walls to include framing, sheathing, etc.
- Failure or partial failure to foundation to include crumbling, bulging, collapsing, horizontal cracks of more than two inches, and shifting of the residence on the foundation of more than six inches
- Residences with a water line 18 inches above the floor in an essential living space, a water line above the electrical outlets, or a water line on the first floor when basement is completely full
Destroyed: Residence is total loss or damaged to such an extent that repair is not feasible. Examples:
- Complete failure of two or more major structural components - e.g. collapse of basement walls, foundation, load-bearing walls, or roof
- Only foundation remains
- A residence that is in imminent threat of collapse because of disaster-related damage or confirmed imminent danger - e.g. impending landslides, mudslides, or sinkholes